Is it easy to apply for an ICBC credit card?

It is easy to apply for an ICBC credit card. When applying, you must meet the ICBC credit card application requirements. You must be 18 years old (inclusive) or above, and your employer or The permanent residence is where the card issuer is located, and the income is stable and above the local average level. The review will be based on the applicant's comprehensive assets and other circumstances.

Industrial and Commercial Bank of China, ICBC for short, was established on January 1, 1984. As the commercial bank with the largest assets in China, after 29 years of reform and development, ICBC has entered the track of coordinated development of quality, efficiency and scale.

The Industrial and Commercial Bank of China Headquarters Building was designed by SOM Design Office of the United States. It is 13 floors high and has a construction area of ??nearly 130,000 square meters. It is divided into two parts: a rectangular area and an arc area, with an overpass in the middle. United as one.

At the end of 2003, the total assets were approximately RMB 5,279.1 billion, accounting for nearly one-fifth of the total assets of China’s domestic banking financial institutions. As of the end of 2010, ICBC's total assets were approximately 13.458622 billion yuan, and its current total market value was approximately 1.434470 billion yuan, ranking first among the world's listed banks.

As of the end of 2011, ICBC had 397,339 employees, with 16,227 domestic institutions, 203 overseas institutions and more than 1,562 agent banks around the world, as well as online banking, telephone banking and Distribution channels such as self-service banking provide a wide range of financial products and services to 4.12 million corporate customers and 259 million individual customers, basically forming a cross-market and international business structure with commercial banks as the main body, and maintaining the domestic market in the field of commercial banking business. Leading position.

At the end of 2010, total assets reached 13,458.622 billion yuan, an increase of 1,673.569 billion yuan or 14.2% over the end of the previous year; total liabilities reached 12,636.965 billion yuan, an increase of 1,530.846 billion yuan over the end of the previous year. yuan, an increase of 13.8%; the total market value reached US$233.5 billion, ranking first among the world's listed banks.

In 2010, it achieved net profit of 166.025 billion yuan, an increase of 28.4% over the previous year, and the growth rate accelerated by 12.0 percentage points year-on-year. It continues to be the most profitable bank in the world; the average return on total assets and the weighted average The return on equity was 1.32% and 22.79% respectively, leading the global banking industry; earnings per share was 0.48 yuan, an increase of 0.10 yuan over the previous year; the balance of non-performing loans and the non-performing loan ratio have continued to decline for 11 consecutive years, and the non-performing loan ratio has dropped to 1.08%.

Benefiting from the optimization of the operating structure, the completion of refinancing and the appropriate expansion of the profit retention ratio, the capital adequacy ratio and core capital adequacy ratio reached 12.27% and 9.97% respectively, and the capital strength and sustainable development capabilities have been further improved. Enhance.

Is it easy to apply for an ICBC credit card?

Relatively speaking, credit cards from commercial banks are easier to apply for than the four major domestic state-owned banks. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

1. China Merchants Bank Credit Card

The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.

Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple and fast. It is so powerful.

2. Bank of Communications Credit Card

What is often recommended is Bank of Communications’ Y-power card, which offers up to 100% of the cash withdrawal limit. There is no annual fee for the first year of application, and it can be waived by swiping the card 6 times. The annual fee for the following year is very impressive.

The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on refueling.

4. CITIC Bank Credit Card

It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verifying the information is very simple, as long as you provide a copy of your ID card. But as for raising the quota, it’s very difficult.

CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.

5. Guangfa Bank Credit Card

Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.

6. Everbright Bank Credit Card

It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.

In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will increase slowly.

Is it easy to apply for an ICBC credit card?

It is very easy to apply for an ICBC credit card as long as it meets the bank's requirements. You must be over 18 years old when applying for a credit card, and you must have a valid Proof of identity; the applicant has a stable job and good credit. As long as these conditions are met, it is easy to apply for a regular card.

If the user wants to apply for a high-limit credit card, he or she needs to submit proof of financial resources, such as real estate information, vehicle information, provident fund, bank certificate of deposit, etc. The submission of these financial resources can allow the user to apply for a higher limit. For credit cards with a limit, the bank will have an estimated limit before you place the card.

You can apply for an ICBC credit card through the bank’s official website or bank counter. By applying on the bank's official website, users can learn about the rights and interests included in each credit card, as well as the credit card's annual fee, cash withdrawal fees and other information. When choosing a credit card, you can choose the one that best suits you based on your consumption habits.

After the user gets the new card, it needs to be activated before it can be used. Users can activate it through the credit card customer service hotline. During activation, they need to set a transaction password and a query password. It is best for the two passwords not to be the same; When using credit cards, you must exercise restraint, do not exceed your personal tolerance, and just pay back the money on time every month.

This is the end of the introduction about whether it is easy to apply for an ICBC credit card and whether it is easy to apply for an ICBC credit card. Have you found the information you need?